LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,675
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$70,811
−HK$2,171/mo
Today · 4.125%
HK$72,982
baseline
▲ 0.50% · 4.625%
HK$77,422
+HK$4,440/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$145,964/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,279,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,400
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$78,449
−HK$2,079/mo
Today · 4.125%
HK$80,528
baseline
▲ 0.50% · 4.625%
HK$84,773
+HK$4,245/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$161,056/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,279,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,410
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$84,974
−HK$2,604/mo
Today · 4.125%
HK$87,578
baseline
▲ 0.50% · 4.625%
HK$92,907
+HK$5,329/mo
Deposit HK$12.05M · loan HK$18.07M · min. income ≈ HK$175,156/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,279,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,680
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$94,139
−HK$2,495/mo
Today · 4.125%
HK$96,634
baseline
▲ 0.50% · 4.625%
HK$101,727
+HK$5,093/mo
Deposit HK$12.05M · loan HK$18.07M · min. income ≈ HK$193,268/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,279,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,145
−HK$6,029/mo
▼ 0.25% · 3.875%
HK$99,136
−HK$3,038/mo
Today · 4.125%
HK$102,174
baseline
▲ 0.50% · 4.625%
HK$108,391
+HK$6,217/mo
Deposit HK$9.04M · loan HK$21.08M · min. income ≈ HK$204,348/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,279,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,961
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$109,829
−HK$2,910/mo
Today · 4.125%
HK$112,739
baseline
▲ 0.50% · 4.625%
HK$118,682
+HK$5,943/mo
Deposit HK$9.04M · loan HK$21.08M · min. income ≈ HK$225,478/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,279,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,615
−HK$7,752/mo
▼ 0.25% · 3.875%
HK$127,460
−HK$3,907/mo
Today · 4.125%
HK$131,367
baseline
▲ 0.50% · 4.625%
HK$139,360
+HK$7,993/mo
Deposit HK$3.01M · loan HK$27.11M · min. income ≈ HK$262,734/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,521
−HK$7,430/mo
▼ 0.25% · 3.875%
HK$141,209
−HK$3,742/mo
Today · 4.125%
HK$144,951
baseline
▲ 0.50% · 4.625%
HK$152,591
+HK$7,640/mo
Deposit HK$3.01M · loan HK$27.11M · min. income ≈ HK$289,902/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,985 · Scale 2, in force from 26 Feb 2026)